Our Structuring & Placement
Services for Borrowers
Independent and personal advice
We structure credits purely according to your needs and based on your interests.
Unleash the full potential of your assets
We leverage your complete asset pool and provide an optimal credit solution based on securities and less liquid assets such as art or privately held firms.
We spare you time
We filter potential lenders for you. Having decades of experience in the financial industry we have a profound understanding of lenders credit appetites and information requirements.
Negotiations with lenders
The easiest solution might not be the best. We have access to various and alternative lenders and will negotiate in your interest.
Ongoing management of your credit portfolio
We stay on your side and support you during prolongations and credit reviews.
Services for Borrowers –
Our Capabilities
- Generate cash to participate in investment opportunities by releasing equity from illiquid assets such as private equity, holiday homes, fine-art, yachts or airplanes
- Financing of short-term bridge situations and liquidity needs
- Mezzanine credit solutions
- Loans on single security or concentrated assets
- Loans on Venture Capital Funds / Hedge Funds
- Loans on Single Line Private Equity / Private Debt investments
- Residential and commercial real estate including residential mezzanine financing up to 90% of property value.
- Swiss real estate development financing.
Our Credit Advice Services
for Lenders
Credit expertise on-demand
We enable your organization to structure complex lending facilities without increasing your running costs.
Independent Due diligence
We independently assess the borrower's personal balance sheet, income situation as well as the collateral pool among industry standard or your individual risk catalogue.
Independet advice on credit structure
We advice you on how to structure and implement the loan in a way that your risks are mitigated.
Benchmarking
We're ablte to compare your loan structure to "best market" practice in terms of pricing, riskiness and setup.
Enhance client experience
In case a client demand is outside your risk appetite we'll facilitate third-party solutions that can be offered to the client.
Services for Lenders -
Our Capabilities
- Whether its a credit process design, a review or an establishment of your credit policy or a benchmarking of key lending parameters such as pricing or lending values – we help you master your lending acitivities.
- We support your lending specialists by conducting the credit risk assessment for complex credit structuers according your risk appetite
- We cover lombards, mortgages (incl. development and mezzanine), mixed loans and alternative credit structures (fine art etc.)
- Count on our support for the design and review of your credit process, policy or offering.
- For any credit demand outside your credit risk appetite we’ll support you finding a third-party solution that can be presented to the client.
- Lending demands from your clients are handed over to us to complete the credit assessment and request. We’ll provide a credit risk and business case opinion to your decision body.
- Based on a review schedule we complete credit reviews covering both, credit risk and business case angles.
Our Private Lending Product
The private lending market offers unique investment opportunities which are uncorrelated to the financial markets. Together with our Family Office Partner Zeltner&Co, Cresolutions is managing a Private Lending Product focused on bridge loans.
The Private Lending AMC pools investments to grant loans up to 3 years to wealthy private individuals or private investment companies (in case a personal guarantee is embedded) that have a net wealth of more than CHF 15 million and are domiciled in Western Europe. When granting loans, the AMC relies on personal recourse and therefore on the size and quality of personal balance sheets rather than specifically pledged assets.
Team
About us
Cresolutions is a lending and credit advisory boutique providing tailor made structuring services and independent credit advice. Our strength is to structure lending solutions that consider the full asset pool of clients rather than just part of it. In cases of structured credit requests, we support Banks, Family Offices and Debt Funds assessing and mitigating key risks, benchmark pricing and implement a solid credit structure. Sometimes lending opportunities offered are not a fit for your own credit strategy. We partner up with you to enhance your client experience by sourcing external solutions that can be presented to your clients.
Thomas Siegenthaler
Co-Founder
Patrick Spichiger
Co-Founder
